ZMG Calculators

ZMG/NAF Cash Cost

Estimate cash-program cost, financed-offer spread, and potential cash savings by state.

Compare current vs. new loan terms to show payment savings and breakeven timelines.

Show LLPA and mortgage insurance savings from credit-score improvements before closing.

Help current homeowners see the numbers behind trading up to their next home.

Model temporary rate buydowns, monthly subsidy, and refund estimates if the loan is refinanced early.

Weigh a permanent rate buydown financed via a 3% price increase against long-term payment savings, by loan program.

50-state property tax estimates for home purchases, built from county and Census data.

2026 homeowners insurance premium estimates by state, coverage level, and home profile.

Show real estate agents the potential return on partnering with ZMG on their business.

Project long-term wealth building from home appreciation, equity, and reinvestment.